FERS retirement specialist in Memphis: get matched with a Federal Retirement Consultant

Looking for a FERS retirement specialist in Memphis?

Memphis is a federal town, and the questions are the same at every desk.

When can I retire, what does the survivor election really cost, does the FERS Supplement apply to me, how do I turn the TSP into income. The rules that answer those are federal and identical everywhere. What is specific to you is your service history, your goals, and how Tennessee taxes what you take home. A consultant matched on your state reads all three together.

Where Memphis federal employees work

Memphis and the surrounding metro has about 16,000 federal civilian employees. The largest federal employers in the area:

• Naval Support Activity Mid-South Navy Personnel Command and Navy Recruiting Command sit in Millington with more than 6,500 military and civilian staff.
• VA Memphis Healthcare System VA Memphis Healthcare System runs a medical center and nine clinics serving more than 196,000 veterans.
• U.S. Army Corps of Engineers Memphis District The Army Corps of Engineers Memphis District works from the Ordell Horton Federal Building downtown maintaining Mississippi River infrastructure.
• 164th Airlift Wing The 164th Airlift Wing flies Globemaster cargo aircraft from Memphis Air National Guard Base at the international airport.
• U.S. Army Corps of Engineers Finance Center The Army Corps of Engineers Finance Center operates from the Navy base in Millington north of Memphis.

How Tennessee taxes a federal retirement

Tennessee has no state income tax, so a FERS annuity, TSP withdrawals and Social Security are not taxed at the state level. The full picture, including TSP withdrawals and Social Security, is on the Tennessee page.

Tax year 2026 rates. Confirm with the Tennessee revenue department or a tax professional.

How matching works for Memphis federal employees

1. Step 1

   Tell us where you are

   Pick a time below and share your city, state and the decision you are weighing. Nothing is filed and you can stop at any step.

2. Step 2

   We match you with an FRC who serves Tennessee

   FFEBA, the organization behind the FRC designation, refers you to a Federal Retirement Consultant in its network who works with federal employees in your state. Look them up by name before the call.

3. Step 3

   A free review, by phone

   The consultant reads your situation against the federal rules and your goals, in plain terms. If your plan already fits, you will hear that.

What the review covers

The consultant walks the same ground for every federal employee, whether you work at Naval Support Activity Mid-South or anywhere else in Memphis and the surrounding metro:

• Your retirement date. Eligibility, the FERS Supplement, COLA timing, and how the date shapes your first years of income.
• The survivor election. What it costs, what it protects, and how it affects FEHB for a spouse.
• FEHB and Medicare. The five-year rule, and how your plan coordinates with Medicare later.
• FEGLI. Which options you carry into retirement, and where coverage stops earning its cost.
• The TSP. How it is invested today and how you will turn it into income once the paychecks stop.

Also serving

Federal employees in Millington, Bartlett, Germantown, Collierville, Southaven and the rest of Memphis and the surrounding metro use the same form above; the match is by state, so distance from Memphis does not matter. Or start from the Tennessee page or the full state list.

This page is education, not tax, legal or investment advice. State rules change; confirm the Tennessee figures with the state revenue department or a tax professional before you file anything.